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Barclays Mobile Banking app terms and conditions

June 2016

Before you use the app

We've updated these terms and conditions to indicate that you can now use the Barclays Mobile Banking app to send or receive money using a mobile. You will be able to use the app to send money to anyone registered for Pingit or Paym. You can also choose to receive payments from users of these services.

These terms replace those we issued in March 2016. Please read and accept these terms and conditions to use the Barclays Mobile Banking app. You can find out more on our Barclays Mobile Banking page www.barclays.co.uk/archive.

Part A – Using the app

About Barclays Mobile Banking

You can use Barclays Mobile Banking to:

view all your Barclays accounts and related services in one place – including your current account, savings account, investment accounts, Barclaycard and mortgage if you have them

make payments and move money between your bank accounts

give us payment instructions on your bank account

confirm your instructions with the mobile PINsentry in the app

Who can use Barclays Mobile Banking?

You must be aged 16 or over and have a Barclays current account. If you're aged 11-15 years, you can use another version of the app

It's only available for customers of Barclays Bank PLC in the United Kingdom, Jersey, Guernsey and the Isle of Man, customers of Gerrard Investment Management Limited in the United Kingdom, and to bank account customers of Barclays Private Clients International Limited in Jersey, Guernsey and the Isle of Man

If we need to, we can refuse to register you for Barclays Mobile Banking and limit how you use it

The devices it works on

At the moment, the app works on Android 4.0, iOS 8.0 or later, BlackBerry 5.0 and Windows Phone 8.0 or above (we update these regularly). There are different features depending on your phone or tablet, operating system or version of the app you have.

What does it cost?

If you're a personal customer, we won't charge you for using Barclays Mobile Banking

If you are a business customer, we may charge you for certain transactions – depending on the tariff you've chosen. All tariff information is available on www.barclays.co.uk/businesstariffs

Your internet or network service provider may also charge you for using data on your smartphone or tablet

How to register

Step 1: If you have a joint or business account, check with the other account holders that they’re happy for you to register for Barclays Mobile Banking

Step 2: You’ll need to download the app to your phone or tablet. Search for ‘Barclays Mobile Banking’ in the Apple App Store, Google Play, BlackBerry App World or the Windows Store. Don’t download it from anywhere else

• Only use the app to view your bank accounts and related services, make payments, transfer money or give us instructions with the mobile PINsentry

• Don’t use the app to upload or store inappropriate or illegal images or content that breaches the rights of others

• Don’t attempt to make any income directly from using the app

• Don’t use the app to do anything illegal

• Don’t use the app in a way that could damage it or stop it from working or affect our systems or other users – for example, by hacking into or inserting malicious code into the Barclays Mobile Banking app or iOS, Android, BlackBerry, Windows or other operating systems

• Don’t collect any information or data from Barclays Mobile Banking or our systems or try to read any messages or information not meant for you

• Only use the app to view your bank accounts and related services, make payments, transfer money or give us instructions on your account

• Make sure you obey any laws that apply to you in any place you use the app

Information about you

Keeping us informed

If your account details or any other information about you changes, tell us straight away.

How you must protect your money and information

Barclays Mobile Banking gives you access to your bank accounts, so you need to make sure you don’t allow anybody else to log into your account

If you don’t let us know, we may not pay you back if someone takes money from your account because they knew your account details

Always keep your phone or tablet secure and close the Barclays Mobile Banking app if you’re not using it

Some devices allow you to use your fingerprint for logging into the app. If you enable this feature, then anyone whose fingerprint is registered on your phone or tablet will be able to log into the app

Don’t install or use the app on a jail-broken or rooted device. These have had their security features changed in order to work, which makes them less secure, and means that fraudsters could access your phone or tablet and steal your information or money

If someone wants to know your security details

We won’t ever phone you or send you an email asking for your security details. Nor will we ever ask anybody to do this for us. If anyone contacts you asking for your security details, they may be a fraudster. Tell us immediately on 0333 200 1014 * (outside the UK dial +44 333 200 1014)

How we use cookies

Barclays Mobile Banking uses cookies and similar technologies (‘cookies’) when you first register, and to check that it’s you when you’re using the app. By using Barclays Mobile Banking, you accept how and when we use cookies – as set out below

Cookies also help us improve how the app works. We use cookies to collect information about how you use the app, for example which areas you use most often and if you receive any error messages. We can then can make the app better and be sure that the products and services we offer are right for you and other people. We may also use the cookies to help us provide more meaningful and relevant communications to you and to see if our ads are working – for example, we can check if you downloaded our app in response to an ad

We need these cookies for Barclays Mobile Banking to work – if you don’t want them, you’ll have to delete the app

How the app accesses information about you

If you use certain features (like uploading content or the ATM finder), the app will need to access information on your phone or tablet to work. You can limit this for some features, for example by turning off location settings on your phone or not using the features (like the ATM finder)

If we can, we’ll ask you before the app accesses your device or information – and you can decline

You can manage how the app accesses your device or information using privacy settings on your iPhone or iPad, or by uninstalling the app (for Android or Windows). You can also do it through the usage settings in the app’s menu

If you don’t do this, we’ll assume you agree that the app can access your device or information

When you use any part of the app which needs your location to work, you agree that we (and other organisations that work with us) can collect and use information about your location

What else you need to know

Changes to Barclays Mobile Banking and our terms and conditions

These terms and conditions replace those we issued in December 2015

If we need to change anything about Barclays Mobile Banking, we’ll tell you about the change in advance (if it negatively affects how you use the app) or we’ll tell you after we make the change (if it benefits you or doesn’t affect how you use the app). We’ll send you a text or alert or display a message about the change when you next use the app or log into our website. If there’s anything we need you to agree we might ask you to read and accept a message on your screen to continue using the app

From time to time, we may update the app through the app store. Depending on what the update is, you may not be able to use the app until you’ve installed the latest version and accepted the new information about it. We’ll let you know via your phone or tablet when there’s a new version to upload

Contacting you

From time to time, we may contact you about Barclays Mobile Banking by email, text or other messages on the Barclays Mobile Banking app, or by telephone or post

Sometimes, these may be marketing messages. If you don’t want to receive them, you can tell us at any time by contacting us on our normal contact number. You can also text STOP in response to marketing text messages or follow any other instructions we include to unsubscribe

If things go wrong

If something goes wrong and it’s our fault, we’ll make good your loss. The terms of our agreement for your account ('the General Terms') explain when you can claim back from us if you lose money because of something that’s our fault.

There are some things that we’re not responsible for because they’re out of our control or they relate to how your phone or tablet works. So we can’t be responsible if you lose money because:

you cannot access the app for any reason or it’s slow

any device, hardware or software you use with the app is damaged or corrupted or doesn’t work

the app doesn’t work as you expect, doesn’t meet your requirements or contains errors or defects or we don't correct these

you don’t receive a text or message in the app in time

we’re prevented from providing any service in part or in full because of something a third party does

Part B – Paying a mobile contact

You’ll need to read and accept these terms and conditions to send or receive mobile payments using the Barclays Mobile Banking app. You can find out more on our Barclays Mobile Banking page.

Pay a mobile contact

Barclays Mobile Banking lets you send money using just a mobile number, via a third party, either Pingit, Paym or other service we tell you about. When you pay a mobile contact, the payment information they see will include your name, payment reference and the amount. Your phone number is not sent to the recipient.

You can also choose to receive payments by mobile. When you do this, anyone with your mobile number will be able to see your name and that you’ve registered to receive mobile payments.

Pingit and Paym let you link your mobile number with your bank account so you can send or receive money using a mobile. There’s more information on the Pingit and Paym websites.

Please note you can only register for Paym with one account. If you’ve already registered an account from another bank or building society, you’ll need to de-register before you can register with your Barclays account.

Some key things you need to know

There’s no charge to make or receive mobile payments, but your mobile service provider might charge you for using data

The recipient will receive a notification and SMS to confirm the payment. They’ll also be able to see your name, payment reference, and payment amount

Payment limits apply – you can check these on our website (or in the app)

We might refuse to process a payment for reasons set out in the General Terms

You need to tell us if you change your mobile number or account details so that we can continue to process payments correctly

The terms and conditions for using the Barclays Mobile Banking app apply to this service, as do the General Terms for your account

If a payment is made by mistake

You need to make sure you give us the right details so that we can ensure your payment goes to the right person

If you enter the wrong details, the payment might not go through or it might go to the wrong person. While we’re not held responsible for this, we’ll help you to try and get your money back. We explain this in more detail in the General Terms

If someone pays you by mistake, you authorise us to take the money from your account and return it to them. You must tell us as soon as possible and return any money you suspect or know has been sent to you by mistake

Your information

We’ll use your information as set out in the General Terms. When you choose to receive mobile payments, we share your mobile number with Pingit, Paym or other service we tell you about. This means other users of these services will be able to see your name and mobile number. You should also know that

By selecting a contact within the Barclays Mobile Banking app, you consent to Barclays accessing your address book

If you sync Barclays Mobile Banking with your address book, we’ll store your contacts’ numbers on our servers so you can make payments quickly. We won’t use them for anything else

We don’t store any names, emails, addresses or other information from your address book

When you sync your address book, the app will show you who you can pay by mobile by displaying a Pingit icon next their name

If another user has your mobile number in their address book, they’ll be able to see if you’re registered to receive mobile payments

You can block our access to your contacts, but other Pingit users will still be able to see your name and that you can receive mobile payments, if you’ve registered to do so

Information we share with Paym

When you choose to receive mobile payments using Paym, your mobile number, account name and details will be shared with the following (who have promised to keep these secure and confidential)

The Mobile Payments Services Company Limited (‘the Operator’), the company appointed by the UK Payments Council to operate the Paym service

The service providers and agents (including their subcontractors) of the Operator

Other financial institutions who are members of Paym

Employees and contractors of any of these

Other things you need to know

If you’re unhappy with something

If you are unhappy with Barclays Mobile Banking or you think we have done something wrong

Please contact us and give us the opportunity to investigate and resolve the matter. This also helps improve our service for all customers.

If you remain unhappy

If after we have investigated you remain unhappy, you may be able to contact the Financial Ombudsman Service (FOS). The FOS is a free, independent service for resolving disputes between customers and financial services institutions. If you are eligible to make a complaint to the FOS, you'll need to contact them within 6 months of our final response letter – and they'll ask to see the letter as summary of our investigation of your complaint.

Web: www.financial-ombudsman.org.uk

Email: complaint.info@financial-ombudsman.org.uk

Phone(from a UK landline): 0800 023 4567

The Financial Ombudsman Service

Exchange Tower

London

E14 9SR

Online Dispute Resolution

The European Commission has set up an online dispute resolution platform (ODR platform) to help customers who have bought goods or services online from traders established in the European Union. If you have not been able to get your complaint resolved to your satisfaction, you can submit your complaint online through the ODR platform. The platform will then send your complaint to the Financial Ombudsman Service (FOS) for an independent review. To save time you may wish to contact the FOS directly, using the details provided in the terms and conditions for your product.

You can access the ODR platform here.

As a Barclays customer, you may use this service if you purchased your product or service with us online. You will need to quote our postal address, website address and email address.

Barclays, Leicester, LE87 2BB
www.barclays.co.uk
ODR@barclays.com

Third party software and copyrighted material

The Barclays Mobile Banking app uses and includes third party software and copyrighted material. It’s also subject to third party or other open source licences. Portions of the software are based in part on:

* Calls may be monitored or recorded for quality and training purposes. Calls to 03 numbers are charged at the same rate as calls to 01 and 02 landlines, and will count towards any inclusive minutes you have covering calls to landline numbers. Charges may apply when calling from abroad.

The Barclays Mobile banking app is provided by Barclays Bank PLC although you may have contracted for banking services with another legal entity within the Barclays Group. Please refer to your bank documentation (terms and conditions, statements, etc) to confirm the legal entity that provides banking services to you.

Barclays Stockbrokers is a trading name of Barclays Bank PLC (Registered No. 1026167 Registered VAT No. 243 8522 62) which is a member of the London Stock Exchange and ISDX.

Gerrard Investment Management Limited is authorised and regulated by the Financial Conduct Authority and is a member of the London Stock Exchange. Registered in England. Registered No: 2752982. Registered Office: 1 Churchill Place, London E14 5HP. Registered VAT No. GB243852262.

Barclays Private Clients International Limited, part of Barclays, is registered in the Isle of Man. Registered Number: 005619C. Registered Office: Barclays House, Victoria Street, Douglas, Isle of Man, IM99 1AJ. Barclays Private Clients International Limited is licensed by the Isle of Man Financial Supervision Commission, registered with the Insurance and Pensions Authority in respect of General Business, and authorised and regulated by the Financial Conduct Authority in the UK in relation to UK regulated mortgage activities.

Barclays Private Clients International Limited, Jersey Branch is regulated by the Jersey Financial Services Commission. Barclays Private Clients International Limited, Jersey Branch has its principal business address in Jersey at 13 Library Place, St. Helier, Jersey JE4 8NE, Channel Islands. Barclays Private Clients International Limited, Jersey Branch is regulated by the Guernsey Financial Services Commission under the Protection of Investors (Bailiwick of Guernsey) Law 1987 as amended.

Barclays Private Clients International Limited, Guernsey Branch is licensed by the Guernsey Financial Services Commission under the Banking Supervision (Bailiwick of Guernsey) Law 1994, as amended, and the Protection of Investors (Bailiwick of Guernsey) Law 1987, as amended. Barclays Private Clients International Limited, Guernsey Branch has its principal place of business at Le Marchant House, St Peter Port, Guernsey, Channel Islands, GY1 3BE.